 Why did my credit score just drop? |
| Last month, my score was 662, but then it suddenly went down to 644. I haven't opened any new accounts, and i've actually been paying down my debt (on time) and not using my credit cards at ... |
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 How do you correct your credit score? |
I dropped a class in my local community college and did not pay for the class. They called a credit agency that adversly affect my credit. How do I correct this?
Additional Details
I ... |
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 I can no longer pay my student loan because I am unable to work,what action can they take? |
| I borrowed 12,000 10 years ago and they say I still owe them 12,000 with all the interest.I have paid them 14,000 already I have no ... |
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 Is it really that bad to go bankrupt? |
| Thanks to cridit cards, my monthly expenses are about $400.00 a month more then my income. Jan. 1st. I just spent the last of my savings... I dont know what else to do but go ... |
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 Will they garnish my wages? |
| One of my credit cards hired an " attorney" to collect money for them ( tho i think tis a collection agnecy) anyways the person called my work today i called back the guy said i need to pay ... |
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 Payday loans if you really need it? |
Can they be helpful if you pay them back in full when they are due? Car broke down and in bad crunch no family help available.
Additional Details
It's just for 100 dollars the most ... |
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 Do credit repair companies really help fix your credit? |
| I know that I can dispute and correct items myself.. But I'm wondering if I would get better results if I paid someone to do it...Has anyone had good results?... |
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 Should I cancel my credit card for this reason? |
| I have my credit card all paid off. But they keep charging me these stupid $1 and 50 cent fees! I hear you are not supposed to cancel a credit card because it will lower your credit rating but I am ... |
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 How do I fix my bad credit? |
| I have bad credit. I have already consulted a "professinal credit counseler" but got a half *** response. I am not ready to pay additional money to have someone else fix my problem. I ... |
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 Whats the worst that could happen if I dont pay off a bank loan? |
| My ex-husband took out a bank loan in my name (with my consent) and now that we are divorced I am obligated to pay it and I dont have any money to spare I am living paycheck to paycheck working two ... |
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 Getting a credit card. What are the best deals around? |
| Hi. I need to get a credit card with a limit of about £1000. What would you go for at the minute? I've checked these comparison sites and they're frankly very confusing. UK only please. T... |
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 Should I refinance my home? |
| I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed ... |
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 Is there a place I can go to view my credit score, instantly? |
I don't want to have to wait for a week to receive something in the mail that I have to enter to receive my score.
Additional Details
I tried freecreditreport.com and had to wait ... |
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 Is Credit Repair really effective and how much would you pay for it if it is? |
| A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit ... |
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 Does one delinquet credit card effect your other cards you have? |
| i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my ... |
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 Does anyone know where I can obtain a free credit report, from one of the three main credit bureaus? |
Without having to do it online (I don't want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.... |
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keepsondancing | Why do people go into credit card debt? |
Please do not answer if you are debt-free. I want to hear from people who spend more than they make and carry big balances. How did you get into this position, and why don't you stop spending until your debt is paid off? |
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kvuo
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I'm debt free, but I was in debt before, so I shall answer anyway..
You never plan on getting into debt, it just happens... You charge something for $500, and figure "ahhh I'll be able to pay this off in a month".. when the bill finally comes, you go "ahh, but I wanted to do this or that with the cash, so I'll just send $200.. I'll get the rest next month..." next month comes, same thing.. then. your car breaks down, and since you spend everything you make, you need to break out the plastic again. the cycle begins.
it's all caused by living above your means, and lack of discipline. |
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life as we know it
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I have debt and am really looking into credit counceling of some sort we got into debt cause we were married young first home and all then we had kids and it just kept piling up we pay our bills every month but can't get ahead adn we are just sinking. We have stopped buying but it is still hard to dig your self out of that hole, it is so easy to use the credit but oh so hard to pay it off. |
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Niki !!!!
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People of today go in to credit card debt because some people draw from over their credit limit and or some people leave their account without paying or not on time and then interest is applied which makes it more. |
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purpleama456
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I am a little over $10k in credit card debt alone. Why, well I have my Home Depot card that was used to remodel the house I shared with my now ex-husband. He had one as well and when we divorced we agreed to keep our individual accounts and pay them off. I have a Bank of America card that was paid off a year and a half ago but then charged back up to pay the first months rent and deposit for a place when I left my husband. It was also used to semi-furnish my new place (I didn't need much because I took everything when I left him). I have a Visa card that I opened to transfer the balance from my Bank of America card (that was how I had the BOA card paid off). I have a Sears, Gap, Belk and JC Penny card, all used to buy clothes when the need arises. I'm carrying BIG balances on only 2 of the cards mentioned. Unlike most people with credit card debt, I have a plan that's been in action for 6+ months that is getting me out of debt and you can rest assured that it won't happen again. And also unlike most people, even though I have credit card debt, I have excellent credit because I always make my payments on time every time. With my get out of debt plan I focus on one card at a time. That one card gets 10% of our income every week, plus the minimum payment that was due on the card, which amounts to a little over $400 paid by the end of the month and the other cards get the minimum payment. Once the card targeted gets paid off I'll focus on another one. I also make these payments online every week which helps with the interest. The more I get paid off before interest hits the less interest will be when it hits. |
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cowgirl
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Because we live in a society where 'I saw it, I want it'. No one wants to wait til they save up for it. Gotta have it now. All my friends do. It's an inner need for something that comes out as spending. |
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kitty fresh & hissin' crew
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Because it's easy and fun. |
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feel_the_fire
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simple..,cause they are insatiable people |
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*****
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They either live way beyond their means, or they are blind to the fact that when you charge something, a bill will follow this charge. |
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boris
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I have debt, but I'm paying it off...
I hate debt. It's easy to do when you are married / engaged / actually just around any women at all. Women love to spend. I blame all women. Haha, j/k. Some people just like to spend money - they don't care that they dont have it. It's an addiction; they can't control themselves. |
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koifishlady
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cuz we're stupid and they are so easy to use with gas prices these days and other prices that are sky high. i don't know of anyone who doesn't have credit card debt, whether it is a gas card or a different kind of credit card. i don't carry any cash. |
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peaches
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We bought a new house and that great. But then you need this and that and this and that and before you know it is was out of control. I know have us a a pretty strict budget I pay as much over the minimum amount that I can. Every debtor gets paid every month some get the minimum and others get a little extra. I have also used the balance transfer checks that offer a much lower interest rate than my credit cards and use that to pay off some higher balances and then I have reduced that debt and the higher interest rate. |
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